Frequently Asked Questions

INR100 is India's leading micro-investing platform that allows you to start investing with just ₹100. We provide access to stocks, mutual funds, gold, and global assets through an easy-to-use mobile app and website. You can invest in fractions of assets, making it affordable for everyone to start building wealth.

Creating an account is simple: 1) Download the app or visit our website, 2) Enter your mobile number and verify with OTP, 3) Complete your profile with basic details, 4) Complete KYC verification using PAN and Aadhaar, 5) Add money to your wallet and start investing. The entire process takes less than 10 minutes.

For KYC verification, you'll need: 1) PAN card (mandatory), 2) Aadhaar card (for e-KYC), 3) A clear selfie for photo verification, 4) Bank account details for adding money. The process is completely digital and usually completes within 5 minutes.

Yes, you can start investing with just ₹100 on INR100. This is our unique selling point - we believe everyone should have access to wealth creation opportunities regardless of their income level.

You can add money through multiple methods: 1) UPI (instant and free), 2) Net banking (all major banks supported), 3) Debit cards, 4) Credit cards (with applicable fees), 5) Wallet transfers. The minimum add amount is ₹100.

We take security very seriously. Your money is held with regulated custodians and protected by bank-level 256-bit encryption. We are SEBI registered and follow all regulatory requirements. Your personal data is encrypted and never shared with third parties without your consent.

To enable 2FA: 1) Go to Profile > Security Settings, 2) Click on 'Enable 2FA', 3) Choose between SMS OTP or Authenticator App, 4) Follow the setup instructions, 5) Save your backup codes securely. We strongly recommend enabling 2FA for enhanced security.

If you forget your password: 1) Click on 'Forgot Password' on the login screen, 2) Enter your registered mobile number or email, 3) Receive OTP on your device, 4) Verify OTP and set a new password. If you don't have access to your registered device, contact support for assistance.

You can update most personal information through the app: 1) Go to Profile > Personal Details, 2) Edit the information you want to update, 3) Save changes. For sensitive information like PAN or bank details, you may need to contact support for security reasons.

Yes, INR100 is a SEBI registered platform and follows all regulatory guidelines. We work with regulated brokers and custodians to ensure your investments are safe. We also have insurance coverage to protect against fraud and unauthorized transactions.

INR100 offers a wide range of investment options: 1) Stocks - Invest in fractions of top Indian companies, 2) Mutual Funds - Direct plans with zero commission, 3) Gold - Digital gold and gold ETFs, 4) Global Assets - US stocks and international funds, 5) ETFs - Exchange Traded Funds, 6) Bonds - Government and corporate bonds.

Direct plans have no commission or distribution fees, resulting in higher returns for investors. Regular plans include commission paid to distributors, which reduces your returns. INR100 only offers direct plans to ensure you get the maximum possible returns on your investments.

Consider these factors: 1) Your risk tolerance (conservative, moderate, aggressive), 2) Investment timeline (short-term vs long-term), 3) Financial goals, 4) Current income and expenses. Our AI-powered advisor can help you create a personalized investment strategy based on your profile.

Fractional investing allows you to buy portions of expensive stocks or assets. Instead of needing to buy a full share (which might cost thousands), you can invest any amount starting from ₹100 and own a fraction of that asset. This makes high-value investments accessible to everyone.

We recommend regular investing through SIPs (Systematic Investment Plans). You can set up daily, weekly, or monthly investments starting from ₹100. Regular investing helps you benefit from rupee cost averaging and reduces the impact of market volatility.

We support multiple payment methods: 1) UPI (all major apps - Google Pay, PhonePe, Paytm), 2) Net banking (all major Indian banks), 3) Debit cards (Visa, Mastercard, RuPay), 4) Credit cards (with 2% processing fee), 5) Wallet transfers (Paytm, PhonePe wallet).

Adding money is free for all payment methods except credit cards (2% fee). Withdrawing money to your bank account is free up to 3 withdrawals per month. Additional withdrawals incur a nominal fee of ₹25 per withdrawal.

Withdrawal processing times: 1) UPI and wallet transfers: Instant to 2 hours, 2) IMPS: Within 2 hours, 3) NEFT: Same day if before 4:30 PM, next day otherwise, 4) RTGS: Same day for amounts above ₹2 lakh. Most withdrawals are processed instantly.

We offer three subscription tiers: 1) Basic (Free) - Up to 5 transactions/month, basic features, 2) Premium (₹99/month) - Unlimited transactions, AI insights, priority support, 3) Professional (₹299/month) - Everything in Premium plus 1-on-1 advisor sessions, API access, custom strategies.

To cancel your subscription: 1) Go to Profile > Subscription, 2) Click on 'Manage Subscription', 3) Select 'Cancel Subscription', 4) Confirm cancellation. You'll continue to have access until the end of your current billing period. No refunds are provided for partial months.

Try these troubleshooting steps: 1) Check your internet connection, 2) Update the app to the latest version, 3) Clear app cache and data, 4) Restart your device, 5) Reinstall the app if issues persist. Contact support if the problem continues.

Transactions may fail due to: 1) Insufficient funds, 2) Network issues, 3) Server maintenance, 4) Payment gateway issues, 5) Incorrect payment details. Check your transaction history for error details or contact support for assistance.

To update the app: 1) Go to Google Play Store or Apple App Store, 2) Search for 'INR100', 3) Click 'Update' if available, 4) Enable auto-updates in your device settings. We recommend keeping the app updated for the latest features and security patches.

Login issues can occur due to: 1) Incorrect password, 2) Account locked due to multiple failed attempts, 3) Server maintenance, 4) App version outdated, 5) Network issues. Try resetting your password or contact support if the problem persists.

To report bugs: 1) Go to Profile > Help & Support, 2) Select 'Report a Bug', 3) Describe the issue in detail, 4) Include screenshots if possible, 5) Submit the report. Our technical team will investigate and resolve the issue as soon as possible.

Premium subscription (₹99/month) includes: 1) Unlimited transactions, 2) Advanced AI-powered insights, 3) Priority customer support, 4) Advanced analytics and reporting, 5) Portfolio optimization suggestions, 6) Access to premium educational content.

Professional subscription (₹299/month) includes everything in Premium plus: 1) 1-on-1 advisor sessions, 2) Custom portfolio strategies, 3) API access for developers, 4) White-label reports, 5) Dedicated account manager, 6) Early access to new features.

Our AI advisor analyzes your financial profile, risk tolerance, goals, and market conditions to provide personalized investment recommendations. It uses machine learning algorithms that improve over time and considers factors like your age, income, expenses, and investment timeline.

Yes, we offer a 7-day free trial for both Premium and Professional subscriptions. You can explore all premium features during the trial period. No credit card is required to start the trial.

Once you subscribe, premium features are automatically unlocked in your account. You'll see a premium badge on your profile, and new features will be available in the app dashboard. You'll also receive priority support with faster response times.